Denied for both Sync and Comenity cards

[Anonymous]

I cant believe this my score is in the mid 600's. I got approved for a Victoria secrets card 250 cl, walmart mastercard 150 cl, overstock 450, new york and company 250 cl, amazon 600 cl and i already had a kohls card 300 cl now 700 cl as of today and a cap one plat 300 cl and a mattress firm 2800 cl. But i dont understand how i got denied for a wayfair, and a couple of other comenity and sync cards. Any ideas what i can do to get more credit through either company. Standard 7 to 10 day message. I dont think my credit is that bad to make these two particular banks frown upon my applications. Low credit limits too but I guess i have to start somewhere.

[RonM21]

If you don't mind, need more info to try and guess what could be happening.  What does your report look like? Any baddies? Where are your scores from? How recent are your accounts?  How much % of the credit are you currently utilizing?

[CJ7]

Are those mid-600's FICO's or CK?

[grillandwinemaster]

To be quite honest, I think your good. Don't make the same mistake I made and go crazy with store cards. If you garden for 6-12 months, I see the likes of Discover with 4k-5k in your near future. 

Store cards serve a purpose, but there not all there cracked up to be. 

If I could do it all over, I would get only ONE store card. Besides destroying your AAofA, your going to outgrow them soon enough. 

Best "credit wishes" to you.

[Pway]

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@Anonymous wrote:
I cant believe this my score is in the mid 600's. I got approved for a Victoria secrets card 250 cl, walmart mastercard 150 cl, overstock 450, new york and company 250 cl, amazon 600 cl and i already had a kohls card 300 cl now 700 cl as of today and a cap one plat 300 cl and a mattress firm 2800 cl. But i dont understand how i got denied for a wayfair, and a couple of other comenity and sync cards. Any ideas what i can do to get more credit through either company. Standard 7 to 10 day message. I dont think my credit is that bad to make these two particular banks frown upon my applications. Low credit limits too but I guess i have to start somewhere.I al

I would not load too much on Comenity and synch backed store cards.  I don't know the criteria for the Wayfair card as I was denied a couple of months back.  I have been with Comenity for over a year and my cards has higher limits.  However, it could be a verification thing as well.  

Seeing that the accounts listed above, I take that these are fairly new accounts.  I would give it some time.  Remember as well that each store card has different underwriting criteria to be approved.  However, in your case you have added quite a few.

[Creditplz]

Try getting NFCU, I had low limits, (less then 2,000) low 700's, 13.3k approval, 35+ Inq

[pipeguy]

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@Anonymous wrote:
I cant believe this my score is in the mid 600's. I got approved for a Victoria secrets card 250 cl, walmart mastercard 150 cl, overstock 450, new york and company 250 cl, amazon 600 cl and i already had a kohls card 300 cl now 700 cl as of today and a cap one plat 300 cl and a mattress firm 2800 cl. But i dont understand how i got denied for a wayfair, and a couple of other comenity and sync cards. Any ideas what i can do to get more credit through either company. Standard 7 to 10 day message. I dont think my credit is that bad to make these two particular banks frown upon my applications. Low credit limits too but I guess i have to start somewhere.

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I'd suggest that given you HAVE cards backed by both Comenity and GE/Sync that both companies need to see a bit more history, or score AND keep in mind thsat each store-card has it's own lending standards. VS is probably the easiest Comenity card to get, Walmart and Amazon are easier GE/Sync cards to get (I'd be surprised if Sync issued a Walmart MasterCard with a $150 cl rather than their store card). 

You didn't list your actual scores, but "mid-600's"is not considered good credit (nor bad), perhaps because of income, or short history or collections? Once you get your scores up to 675-700, you'll get a lot more approvals, as long as you space them out, and higher credit limits. Store cards are a good way to get started or rebuild, but you don't want to fill your profile with just store cards, you want to use them to build your scores to obtain bank cards (Visa, MC, Discover, AmEx) with better APR's and  better credit lines.

[Anonymous]

I have 2 baddies which should be getting deleted thanks to me disputing it with collection agencies in which i got a letter from them. My scores are fako scores. All credit lines are new except for kohls 1.5 years ,mattress firm 1.5 yrs and sears 10 years which i forgot to mention also a secured cd 11 months. The rest were just opened recently. I also have one charge off that im waiting to reach sol.

[Anonymous]

My goal is to hit mid 700's and get bank cards

[Anonymous]

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@Anonymous wrote:
I cant believe this my score is in the mid 600's. I got approved for a Victoria secrets card 250 cl, walmart mastercard 150 cl, overstock 450, new york and company 250 cl, amazon 600 cl and i already had a kohls card 300 cl now 700 cl as of today and a cap one plat 300 cl and a mattress firm 2800 cl. But i dont understand how i got denied for a wayfair, and a couple of other comenity and sync cards. Any ideas what i can do to get more credit through either company. Standard 7 to 10 day message. I dont think my credit is that bad to make these two particular banks frown upon my applications. Low credit limits too but I guess i have to start somewhere.

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hoping4better, what is your transunion score from FICO? I was approved for walmart at 600cl and I had a transunion score of 618 and now I have a 646 and a CL of 3500 and I opened the card in Dec 2015. I would use and PIF and let that go for a few months than try to get a CLI and building history is key...as for what I see the CL's are low so maybe with so many low CL's maybe posed a risk to wayfair and other card...Patience is key for good credit!